Got Preapproved offer for Diners Club Privilege card

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Deal Cadet
vasanth_ece

I got the pre-approved offer for Diners Club Privilege Card + 1500 Amazon Gift Voucher, if applied online +LTF (on achieving spend criteria).

Query Here is:

1) I am not spend that much in travel but mostly Online. Will this card suits my requirement?. Any special benefits of this card.

2) Never mentioned anywhere what’s the spend criteria for achieving for LTF (Never applied too, but i see for other cards when i am in landing page . Eg:- 50K for Millenia in 90 days).

3) If card worth, what’s the easy way to spend (i mean retail spend). HDFC has certain exclusion criteria like loading the wallet, they won’t considers as spends.

Kindly suggest.

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Deal Cadet Deal Cadet
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Hi guys

Any suggestions?

Deal Lieutenant Deal Lieutenant
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For Diners Privilege, you need to spend 1L within 90 days from card issuance to make it LTF.

You can use SmartBuy offers every month, which will help you save on online purchases.

Deal Cadet Deal Cadet
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You can use for rent payment. That means you can do 4 rent payments in 90 days considering a week earlier for the last payment. Use it to make some bill payment’s like insurance, phone, electricity, etc. Some online shopping for your needs only if required. Lastly you can buy GC through smartbuy for three months. With these options you are not wasting your money. But need to wait for some benefits especially with the GC you buy.

Deal Subedar Deal Subedar
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sudhakarhd wrote:

You can use for rent payment. That means you can do 4 rent payments in 90 days considering a week earlier for the last payment. Use it to make some bill payment’s like insurance, phone, electricity, etc. Some online shopping for your needs only if required. Lastly you can buy GC through smartbuy for three months. With these options you are not wasting your money. But need to wait for some benefits especially with the GC you buy.

Rent payment will have charges right 1% ??

Deal Cadet Deal Cadet
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Manitian wrote:

Rent payment will have charges right 1% ??

Not a problem. You will receive some cashback from the platform. Also you will GC from HDFC bank for 2021 rs if you make rent payment of 15k in 3 consecutive months. Over to that you will receive rewar points like for 15k 400RP which is equivalent to 400 rs if used in DTH recharge, flight booking etc,.

Deal Cadet Deal Cadet
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sudhakarhd wrote:

Not a problem. You will receive some cashback from the platform. Also you will GC from HDFC bank for 2021 rs if you make rent payment of 15k in 3 consecutive months. Over to that you will receive rewar points like for 15k 400RP which is equivalent to 400 rs if used in DTH recharge, flight booking etc,.

As per the site,each rewards point if redeemed for Flights/Hotels will be 50 paisa.For Vouchers it’ll be 35 paisa.

Means for Smartbuy – 10X means , 40 points for each 150 is less than 1% if we redeem for vouchers. Am i miss anything here?
Below is for reference?
https://www.hdfcbank.com/personal/pay/cards/cre...

Obviously, i am getting 5% upto 1K on Smartbuy, but including card features it’ll be less than 6%.

Deal Cadet Deal Cadet
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vasanth_ece wrote:

As per the site,each rewards point if redeemed for Flights/Hotels will be 50 paisa.For Vouchers it’ll be 35 paisa.

Means for Smartbuy – 10X means , 40 points for each 150 is less than 1% if we redeem for vouchers. Am i miss anything here?
Below is for reference?
https://www.hdfcbank.com/personal/pay/cards/cre...

Obviously, i am getting 5% upto 1K on Smartbuy, but including card features it’ll be less than 6%.

Since the card variant is diners club, I think you are eligible for 10x/5x reward points.

Deal Subedar Deal Subedar
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Diners card and points are confusing lot for me,
is it better than Axis ACE CC, as it is giving unlimited 5% in gpay , 2% others, and cashback directly in account, not as points which cause big confuson.

offtopic:
for CC,
rent payment and
ElectricBill bill is great, 40K for electric bill in easy go, or find a friend with big bill
last minute spend not reaching means, do jio recharge for year to one family member, its 2.5k-3k.
or buy GV.

Deal Cadet Deal Cadet
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sudhakarhd wrote:

Since the card variant is diners club, I think you are eligible for 10x/5x reward points.

But 10x will come like 40 reward points (worth 14 rupees) per 150 .which means around 0.9% if we redeem for vouchers.(1 reward point =0.35paise).

This is card features,how it better than millenia card and considered as premium card,if we spend mostly online than travel?

Deal Cadet Deal Cadet
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vasanth_ece wrote:

But 10x will come like 40 reward points (worth 14 rupees) per 150 .which means around 0.9% if we redeem for vouchers.(1 reward point =0.35paise).

This is card features,how it better than millenia card and considered as premium card,if we spend mostly online than travel?

Still I find reward points are not that great even if it’s 10x compared to millenia,as points worth 50 Paisa for travel and 35 Paisa for vouchers,still considered as premium card. Not getting the concept still…

Deal Lieutenant Deal Lieutenant
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sudhakarhd wrote:

Since the card variant is diners club, I think you are eligible for 10x/5x reward points.

10x/5x is for Diners Black Card only, not for Diners Privilege.

Deal Cadet Deal Cadet
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humanearth wrote:

10x/5x is for Diners Black Card only, not for Diners Privilege.

I found millenia itself better compared to this..Any extra advantages?. If we redeem for voucher, its not worth at all.Even Airmiles value is 50 paisa which comes around 1.33%.

Deal Cadet Deal Cadet
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vasanth_ece wrote:

I found millenia itself better compared to this..Any extra advantages?. If we redeem for voucher, its not worth at all.Even Airmiles value is 50 paisa which comes around 1.33%.

Hey @vasanth_ece
I too have same diners privilege, regalia, money back pre-approved cards through online application,
any of these are really worth more than millennia?

Deal Captain Deal Captain
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Not getting upgrade for diners from so many years
Linit recetly upgraded to 10l+ for privilige card

Delhi Capitals Delhi Capitals
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reagalia vs diner privilage?

Deal Cadet Deal Cadet
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iron-man wrote:

Hey @vasanth_ece
I too have same diners privilege, regalia, money back pre-approved cards through online application,
any of these are really worth more than millennia?

Since I have axis Flipkart and ICICI Amazon pay,I don’t understand what extra benefit I’ll get if I choose millenia compared to this cards.

Deal Cadet Deal Cadet
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vasanth_ece wrote:

Since I have axis Flipkart and ICICI Amazon pay,I don’t understand what extra benefit I’ll get if I choose millenia compared to this cards.

Simply said 5-10% on Amazon gv, which can be used paying bills stuck_out_tongue_closed_eyes

Deal Cadet Deal Cadet
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iron-man wrote:

Simply said 5-10% on Amazon gv, which can be used paying bills stuck_out_tongue_closed_eyes

I have millenia debit card too,which satisfies this condition. smile

Hotshot Hotshot
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demerius2020 wrote:

reagalia vs diner privilage?

Diners privilege for benefits, regalia for acceptance

Hotshot Hotshot
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vasanth_ece wrote:

Since I have axis Flipkart and ICICI Amazon pay,I don’t understand what extra benefit I’ll get if I choose millenia compared to this cards.

Hdfc has lot of sales than axis cards and apay card is useless during sales

Super Stud Super Stud
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Fanil wrote:

Hdfc has lot of sales than axis cards and apay card is useless during sales

Lot of sales, where? sweat_smile

In recent months, SBI is on fire fire fire

Hotshot Hotshot
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xxxyyyzzz wrote:

Lot of sales, where? sweat_smile

In recent months, SBI is on fire fire fire

Still hdfc has more sales & offers than axis Bank.. he asked benefit of millenia over axis and ICICI apay. Sbi is definitely on fire but it’s devaluating the simply click a lot..

Delhi Capitals Delhi Capitals
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Fanil wrote:

Diners privilege for benefits, regalia for acceptance

how?

Hotshot Hotshot
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demerius2020 wrote:

how?

Diners privilege has same benefits as regalia.. same rp rate and same smartbuy capping (2000). Additionally it used to have 10x points on few merchants(heard it’s discontinued but earlier this had happened once and it was later re added). Diners is not accepted by all merchants while regalia which is on visa / mastercard is accepted by most merchants.

Another thing is diners mostly upgrades to dcb and regalia to infinia.

Delhi Capitals Delhi Capitals
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Fanil wrote:

Diners privilege has same benefits as regalia.. same rp rate and same smartbuy capping (2000). Additionally it used to have 10x points on few merchants(heard it’s discontinued but earlier this had happened once and it was later re added). Diners is not accepted by all merchants while regalia which is on visa / mastercard is accepted by most merchants.

Another thing is diners mostly upgrades to dcb and regalia to infinia.

Mere pass regalia hai , since at that time rbi ban was on diners, and i hate this card no benefit nothing

i am just keeping it in hope of having diner club koi mile som day , infinia is far far away anyway

now even if they offer me diner clubmiles or diner privilage i will take it for having a diner card 

Also when this upgrade thing happen and how what can be done from our side? Everytime i click on that upgrade link there seem nothing for me, any tricks?

Hotshot Hotshot
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demerius2020 wrote:

Mere pass regalia hai , since at that time rbi ban was on diners, and i hate this card no benefit nothing

i am just keeping it in hope of having diner club mile som day , infinia is far far away anyway


now even if they offer me diner clubmiles or diner privilage i will take it for having a diner card

I also have regalia and I don’t think it’s bad.. you have a smartbuy capping of 2000 per month, you have multiple offers from hdfc like 3x points on payzapp, 7x points for weekend spends, 5x points on insurance payments from time to time.. there’s also dineout passport membership and then there’s 10k points on 5L and additional 5k points on 8L spends.

Deal Cadet Deal Cadet
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vasanth_ece wrote:

I have millenia debit card too,which satisfies this condition. smile

Can we use Millenia Debit card on smartbuy to avail cashback when Hdfc CC was used to sign up for smartbuy ? Do we have to add debit card anywhere to get the cashback on Smartbuy where Hdfc CC was already used for CB offers ?

Delhi Capitals Delhi Capitals
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Fanil wrote:

I also have regalia and I don’t think it’s bad.. you have a smartbuy capping of 2000 per month, you have multiple offers from hdfc like 3x points on payzapp, 7x points for weekend spends, 5x points on insurance payments from time to time.. there’s also dineout passport membership and then there’s 10k points on 5L and additional 5k points on 8L spends.

7x points for weekend spends??

Deal Cadet Deal Cadet
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chotabaxxa800 wrote:

Can we use Millenia Debit card on smartbuy to avail cashback when Hdfc CC was used to sign up for smartbuy ? Do we have to add debit card anywhere to get the cashback on Smartbuy where Hdfc CC was already used for CB offers ?

Not sure about these kind of twists.I simply buy 8k worth of amazon vouchers and get 800 cashback every month .

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